3rd Party Damage Accident Form

Please fill in as much detail as possible.

Please give a full, honest description — minimum 250 words

We need a full written account so the incident can be assessed without delay. Write in full sentences, not bullet points or one-line notes. Your answer must total at least 250 words across all three sections — not 250 per section, 250 in total. Please cover:

  • • What happened — the exact sequence of events. Speeds, distances, weather, road conditions, time of day, and any signage or warnings.
  • • Why it happened — the cause as you understand it (road surface, visibility, distraction, mechanical issue, third party). If you genuinely don't know, write "unknown" — guessing will work against you.
  • • What the outcome was — damage to your vehicle, other vehicles or property, any injuries, who was on scene, whether the police attended, any further action taken.

Vague, brief or incomplete descriptions will be REJECTED and returned to you, and a £25 admin fee will be charged to your account.

Do not pad the description with repeated words, made-up words or random letters — submissions that look like filler will be automatically blocked and you will have to start again.

Parking sensor / reversing camera notice

If you report that the parking sensors, reversing camera or any driver-assist system "was not working" at the time of the incident, the vehicle will be booked for a diagnostic check. If the diagnostic shows the system was in fact working correctly, you will also be charged the diagnostic call-out fee on top of any damage costs.

Please be honest. If the system was working and you simply didn't see the obstacle, say so — there is no penalty for being honest. Claiming a system fault that is not real is what triggers the fee.

“I forgot I was in a van” is not an acceptable excuse. Stating that you forgot you were driving a van (e.g. driving under a low roof or height restriction) will be rejected by the insurance company and you will be held liable for the full cost of the damage.

0 / 250 words across all three answers — anything under 250 words will be accepted but flagged with a £25 admin fee.

Third Party Details

Please select an option

6 distinct camera photos in total

Take clear photos of your registration, damage and different angles. Include what was hit, property damage, and another vehicle’s damage and registration where relevant. One capture may cover several categories but counts only once.

0 saved · 6 more needed for six

Your vehicle

Registration, damage close-up and different angles.

What was hit

Property damage and scene; third-party damage and registration when another vehicle is involved.

Views still needed: Your vehicle registration, Damage close-up, Damage from another angle, Scene / what was hit, Third-party damage, Third-party registration.

Cannot collect some or all evidence?

Do not approach traffic, enter unsafe property or return to an unsafe scene. You can submit with fewer than six photos, or no photos, by explaining what is missing for manager review.

Property-only reports do not require another vehicle’s registration. Saved photos and their categories remain subject to manager review.

Submission declaration

Please confirm you are the person who is making this report, and that everything you have entered is true and accurate to the best of your knowledge. Submitting a false, vague or padded report may result in a £25 administration fee and disciplinary action.

Your IP address and the device you are using will be recorded automatically when you submit, to keep a tamper-proof record of who sent this report.